Hi Nusajayaphile,
I concur on your rationale of paying off the loan as much as possible . But I decided to take homesmart loan from HSBC JB. It is around BLR minus 2.4%. I found it most flexible option for my circumstances; can prepay and redraw if in need of the money. It is more a fall-back flexibility just in case I need my money in Singapore for personal financial flexibility. But everytime a call is made, the plan is remit the money, to the max amount I can afford at the time, from my Singapore bank to JB bank. If is short, then I will have to pay the bite-size monthly repayment. They will give you a swift code to make international remittance to. The catch is you must not settle the loan within 5 years (they got to make some money) otherwise penalty.
... But if you are cash rich anyway, just dont bother with all this
and go with straight money changer option. One kind forumer suggested before to remit money in small tranches across until you get confidence in the money changer, and can find few of them in Parkway Parade.
You will know the repayment schedule when you sign the SPA. It goes on avg 10% tranches with some in-between higher.